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Division 02 — Finance

Financing Growth.
Creating Opportunity.

Oxygen Residential Mortgages and Oxygen Commercial Lending are Ideal Group's institutional finance platforms — delivering capital solutions for residential homebuyers, commercial developers, and growing businesses across the United States.

Residential Mortgages Commercial Lending SBA & Business Capital Nationwide Platform
2Finance Platforms
Multi-StateLicensed & Expanding
Residential + CommercialFull Lending Suite
IDGROTC Markets · Publicly Traded
Two Institutional Platforms
Residential
Oxygen Residential Mortgages

A full-service residential mortgage platform combining financial expertise, personalized advisory services, and innovative lending solutions — helping individuals, investors, and families secure financing that supports long-term financial success.

  • Purchase Loans & Refinancing
  • FHA, VA & Conventional Products
  • Multi-state licensing across the U.S.
  • Integrated with Ideal Group real estate portfolio
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Commercial
Oxygen Commercial Lending

A commercial finance platform dedicated to providing innovative funding solutions that help businesses grow, expand, and achieve long-term success — connecting entrepreneurs, developers, and business owners with flexible capital tailored to their objectives.

  • Commercial Real Estate Financing
  • SBA & Business Capital (incl. SBA-backed programs)
  • Bridge Loans & Construction Financing
  • EB-5 & Investment Capital Facilitation
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Our Lending Products
Asset-Based
Hard Money Loans

Asset-based lending with fast approvals in as little as 5–7 business days.

  • Loan amounts from $100K to $5M+ on residential and commercial properties
  • Credit-flexible underwriting — income verification not required
  • Ideal for time-sensitive acquisitions and distressed asset purchases
Long-Term
Commercial Loans

Long-term financing for office, retail, industrial, and multifamily properties.

  • Competitive rates with flexible LTV up to 75%
  • Loan terms from 5 to 30 years with fixed and adjustable options
  • Streamlined process for seasoned investors and owner-occupied businesses
Short-Term
Commercial Bridge Loans

Short-term bridge financing to close gaps between acquisition and permanent financing.

  • Fast closings — often within 10–14 business days
  • Interest-only payment structures available
  • Ideal for value-add, repositioning, and lease-up strategies
Ground-Up
Construction Loans

Ground-up financing for residential, multifamily, and commercial projects.

  • Draw schedules aligned with project milestones
  • Loan-to-Cost up to 85% for qualified borrowers
  • Experienced team to guide projects from entitlement to certificate of occupancy
Mixed-Use
Mixed-Use Loans

Financing tailored for properties combining retail, office, and residential units.

  • Flexible structures to account for blended income streams
  • Loan amounts up to $10M with competitive terms
  • Strong expertise in urban and suburban mixed-use development
Renovation
Fix & Flip Loans

Short-term renovation financing for 1–4 unit residential properties.

  • Up to 90% LTC and 70% of ARV
  • Quick closings with minimal documentation requirements
  • Repeat borrower discounts and streamlined re-approvals available
Alternative Docs
Non-QM Loans

Alternative documentation programs including bank statements, P&L, and asset depletion.

  • Designed for self-employed borrowers, investors, and foreign nationals
  • Loan amounts from $150K to $3M+
  • Flexible qualifying criteria beyond traditional agency guidelines
Institutional Capital
01
Flagship Capital

Financing Growth.
Creating Opportunity.

Oxygen's institutional capital division structures sophisticated financing solutions for large-scale commercial and hospitality developments — including Ideal Group's flagship $2 billion Palazzo del Lago Resort. We position capital at the intersection of vision and execution, delivering institutional-grade solutions for projects that redefine markets.

Commercial Real Estate
02
Commercial Real Estate Financing

Capital for Income-Producing Properties

Oxygen Commercial finances the acquisition, construction, and repositioning of commercial real estate assets — from Class A office towers and mixed-use developments to NNN-leased healthcare and industrial properties. We underwrite deals where institutional lenders see complexity; we see opportunity.

Helping Businesses Scale
03
Helping Businesses Scale

SBA & Business Capital Solutions

Working alongside the U.S. Small Business Administration and an expanding network of institutional lending partners, Oxygen Commercial facilitates access to capital for business acquisitions, equipment financing, working capital, and expansion — empowering entrepreneurs to scale with confidence.

Strategic Capital Solutions
04
Strategic Capital Solutions

Investment-Grade Financing Strategies

Oxygen structures capital for complex transactions — corporate acquisitions, joint ventures, recapitalizations, and private investment. Our team builds long-term financial relationships with developers, business owners, and investors who demand a strategic partner, not just a transactional lender.

Serving Businesses Nationwide
05
Serving Businesses Nationwide

A Platform Built for Scale

From the Southeast to key commercial corridors across the country, Oxygen's lending platforms operate with an expanding network of institutional lenders, banking partners, and capital sources. Our national infrastructure positions Ideal Group to deploy capital wherever opportunity exists — and to grow alongside our clients at every stage.

Building Long-Term Value
06
Building Long-Term Value

Beyond the Transaction —
A Lasting Partnership

Transparency, integrity, and client success are at the core of everything Oxygen does. We go beyond individual transactions to build long-term financial relationships that support the sustained growth of our clients, partners, and shareholders — fully aligned with Ideal Group's mission of building world-class, investor-grade enterprises.

Get Started

Ready to explore
financing options?

Connect with our finance team to discuss residential mortgages, commercial lending, SBA capital, or strategic investment solutions.

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